Need help with answering a complaint

[sandlgraphix]

I need to answer a complaint from a credit card company. I know I owe them money, but I am not sure the amount that they are stating is correct. This debt went to a collection company in which I paid 2 yrs of monthly payments totaling $3k of the original $6k balance. I stopped making payments to them and they in turn sent it to another Collections company, which is a law firm. I never sent a verification to this law firm, and now I received a summons with the plaintiff being the original CC company, and they are represented by the law firm/ Collection company. I want to deny the complaint, to make them prove the debt is correct- since the burden of proof is on them. However, on the complaint there are 5 numbered sentences, all of which I plan on denying, but after the all sentences is a paragraph saying:"3rd cause/action" with another statement. I never received a 1st or 2nd cause/action- So what do I do with this statement? I am supposed to answer that too?
Also- the SOL is not up on this.

 

[dee_dub]

You should see a lawyer. You do not want to screw this up.

This "3rd cause/action" - is that REALLY what it says? - probably does NOT refer to two earlier documents you would have received. A "cause of action" is a set of facts giving rise to a right to sue. I would surmise the summons itself set out two other causes of action before this third one - like, "1st, he breached the contract. 2nd, he committed fraud. 3rd, he shot my dog." You should probably deny whatever you don't want to admit.